EL NUWR is a factoring company that offers Syariah compliant financial products. The company is a subsidiary of Luminor Capital (Malaysia) Sdn. Bhd. and is enlisted in the approved list of factoring companies authorised by Ministry of Finance Malaysia to finance government contractors. EL NUWR is enlisted in the E-Perolehan system (Malaysian government procurement system) as one of the registered financiers. We aim to provide financial support and consultation in the areas within its ambit, targeting  small and medium enterprises (SMEs).


Picture 1.png
Heart & Hands
Picture 3.png
Picture 2.png

To support Malaysia’s economic growth by cooperating with stakeholders of the Malaysian’s government supply value chain.


To provide continuous financial support and consultations to clients.


To establish professional relationships with contract awarders.


To build rapport and trust with contractors, suppliers, entrepreneurs and contract awarders.